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You are here: Home / Archives for Advocacy

Advocacy

Florida’s Rate Problem—the Fee Multiplier

April 8, 2020 - Opinions by Scott Johnson Leave a Comment

In my last report I said that in my next report I would explain what’s driving up residential insurance rates in the Sunshine state. This report is that promised report but, before I tell you about “Fee Multipliers”, let me tell you something else just as relevant and important.

Every session of the Florida legislature is measured to some degree on how much it succeeds in providing the people of Florida what they need and/or deserve.  If this last session is judged by its work reducing premiums for Florida homeowners (something policyholders obviously need and deserve) then the 2020 session was a miserable failure! [Read more…] about Florida’s Rate Problem—the Fee Multiplier

Filed Under: Advocacy

COVID-19 & THE FLORIDA ECONOMY

March 19, 2020 - Opinions by Scott Johnson Leave a Comment

While this blog site typically reports on matters pertaining to Florida’s Property & Casualty industry, the evolving situation with respect to COVID-19 warrants some attention.  Florida, for many reasons, differs from other impacted venues and data courtesy of SUNBURN–The morning read of what’s strategic in Florida Politics (See Note #1 below), can provide a better understanding of what we may be facing.   [Read more…] about COVID-19 & THE FLORIDA ECONOMY

Filed Under: Advocacy

TURMOIL… Again?

February 9, 2020 - Opinions by Scott Johnson Leave a Comment

Please forgive my writing about something that so many others have already written about and about which you may already have adequate knowledge, but…Florida’s residential property insurance marketplace is in turmoil…again!

Extending back to post Hurricane Andrew, later the 04/05 storms, the ill-advised HB-1A and perhaps other less notable periods, it’s happened many times before.

So, you may be asking… “if it’s happened before and we already know it’s happening now, why are you writing about it?”  Quick answer: because what’s happening now is much worse than what’s happened before and what happened before was only three years ago. [Read more…] about TURMOIL… Again?

Filed Under: Advocacy

AOB UNDER ATTACK…Happy New Year!

January 9, 2020 - Opinions by Scott Johnson Leave a Comment

How predictable for 2020 to kick off with attacks on 2019’s starlight insurance reform, Assignment of Benefits (AOB).  [Read more…] about AOB UNDER ATTACK…Happy New Year!

Filed Under: Advocacy, General/Miscellaneous

Hurricane Dorian & Rytech… A Water Firm You Can Trust

August 29, 2019 - Opinions by Scott Johnson Leave a Comment

Hurricane Dorian is now expected to hit Florida even harder than previously thought, prompting a widened state of emergency. The storm is on track to make landfall early Monday as a powerful Category 4 hurricane — it could be the strongest direct hit to Florida’s east coast since Hurricane Andrew in 1992 . Due to the uncertainty of landfall, Governor DeSantis has expanded his previous emergency declaration to include all 67 Florida counties.

It is slated to be a very wet storm with the potential for huge water losses.  Even without such an event, over 50% of an average agency’s property losses are due to water.  For some carriers water losses can approach 60% of their residential property claims count.

Keep in mind, resources for every vendor and carrier will likely be exceeded, creating delays, confusion and all of the usual challenges stemming from a Hurricane. It’s impossible to adjust or remediate claims when personnel cannot get to Florida or to the site of a loss.  Patience in the face of immense challenge is always a virtue. Things will get hectic in the coming days for agents as well.

For all these reasons it’s appropriate to reiterate that Johnson Strategies recommends Rytech to agents as a firm focused on satisfying both your clients and your carriers. [Read more…] about Hurricane Dorian & Rytech… A Water Firm You Can Trust

Filed Under: Advocacy

NON-DECISION ON AOB–Not as Bad as it Sounds!

August 17, 2019 - Opinions by Scott Johnson Leave a Comment

Despite its previous decision to review the case, on Monday July 29th  Florida’s Supreme Court  reversed itself, announcing it would NOT answer the question of whether insurers could use policy language that required approval of AOB’s by “All Named Insureds.”   [Read more…] about NON-DECISION ON AOB–Not as Bad as it Sounds!

Filed Under: Advocacy

“What’s Past is Prologue!”

June 14, 2019 - Opinions by Scott Johnson Leave a Comment

The ink from Governor DeSantis’s signature on HB-7065 wasn’t even dry when some of Florida’s worst trial lawyers began perverting reform benefits into billable hours.

Two days after the Legislature adopted HB-7065 (April 24), Harvey Cohen, the self-described “Johnny Appleseed of AOB”,   posted a YouTube video imploring his unscrupulous minions to quickly send him all their AOB cases. This, in an apparent attempt to squeeze in more suits before July 1, the effective date of the new law. [Read more…] about “What’s Past is Prologue!”

Filed Under: Advocacy

Assignment of Benefits–Restoration Association of Florida?

March 9, 2019 - Opinions by Scott Johnson 1 Comment

Google “fronting organizations” and you’ll find a variety of definitions and examples.

Wiktionary says a fronting organization is one that “…secretly acts as the public face of a covert group.”  Wikipedia says it’s “…any entity set up by and controlled by another organization”.  Examples are intelligence agencies, organized crime groups, banned organizations, religious groups, political groups,  corporations, and… “advocacy groups”. [Read more…] about Assignment of Benefits–Restoration Association of Florida?

Filed Under: Advocacy

Assignment of Benefits—It’s About Rates!

January 11, 2019 - Opinions by Scott Johnson Leave a Comment

Pssst… abuse of Assignment of Benefits is about insurance rates!

Sure, hundreds of lives are upset by scammers twisting the original intent of AOB.  And yes, this generates exponential increases in litigation. And sure, if you insist…it’s because some roofers, public adjusters, water firms, plumbers and attorneys are simply greedy, but…

…AOB is mostly about the gargantuan premiums we will all be paying if trial lawyers in the legislature continue to roadblock reforms. (See The Politics of AOB) [Read more…] about Assignment of Benefits—It’s About Rates!

Filed Under: Advocacy

ASSIGNMENT OF BENEFITS–the Politics of AOB!

December 12, 2018 - Opinions by Scott Johnson Leave a Comment

Those looking to understand the politics of AOB need look no further than the next two words: ATTORNEY FEES!

At its core, Assignment of Benefits is a scheme birthed by one law firm and materially employed by roughly two dozen others—solely to stuff their pockets via a perversion of Florida’s well intended “one-way” attorney fee statute fs. 627.428. (fs. 626.9373 for the non-admitted market). [Read more…] about ASSIGNMENT OF BENEFITS–the Politics of AOB!

Filed Under: Advocacy

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JS Contributors

Don Brown
Particularly on insurance issues, Don Brown brings expert legislative acumen to the JS team. First elected in 2000 he emerged as an architect on numerous insurance related reforms, predominantly Property Insurance. He’s been an independent insurance agent for over 25 years and is currently a sought-after speaker, consultant and author. Learn more
David Thompson, AAI, CPCU, CRIS
David Thompson has a well-deserved reputation across the country as a preeminent expert in the Property & Casualty field. Learn more
Bill Wilson, CPCU, ARM, AIM, AAM
Bill is one of the most respected speakers and writers on P & C issues in the U.S. He is recognized by his peers as someone who can explain complicated technical subjects in an easily understood and interesting fashion. His list of accomplishments and awards is legendary. For good reason his books, articles and consulting services are in continuous demand. Learn more
Barry Zalma, ESQ. CFE
Johnson Strategies has relied upon Mr. Zalma on numerous occasions for his research and insight into matters of insurance fraud, bad faith, relevant case law and expert analysis. Learn more

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Collapse of an Evil Empire

Fraud and greed pushed home insurers to the brink. Something bold had to be done. This is the story of the disbarment of Florida’s most prolific litigator leading to the most comprehensive tort reforms in Florida, and perhaps American, history.

What's Past is Prologue

Lessons from the Worst Insurance Crisis in Florida’s History... ASSIGNMENT OF BENEFITS

Fact & Fallacy

Essays & Opinions on Florida's Most Controversial Insurance Topics.

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Unless otherwise attributed, articles on this site are the opinions of Scott Johnson.

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Johnson Strategies (JS) works to establish and achieve goals promoting products or idea's to customers, state policymakers and the consuming public. This is done on behalf of both corporate and individual clients, non-profit trade associations and membership societies. JS specializes in planning, communication and advocacy for a wide range of interests focused in the property and casualty insurance field. Our simple mission is to guarantee satisfaction based on a comprehensive needs analysis and mutually defined goals.

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Recent Posts

  • AGENTS, ADJUSTERS, INSURERS BEWARE—THE RED FLAGS OF FRAUD!
  • The Delicate Balance: Addressing MGA Concerns Without Creating Market Uncertainty
  • Are Florida’s MGA’s Under Attack?!
  • A Smarter Approach to Hurricane-Resilient Homes and Insurance Stability…
  • How Do Other Jurisdictions Manage Hurricane Risk Exposure?
  • PART II of “What Agents Need to Know About Public Adjusters…
  • Latest Decision on AOB!

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